complicated car insurance question, uk no claims to BC
Jun 23rd 2011, 7:51 pm
#1
finally together...
Thread Starter
Joined: Oct 2008
Location: Prince George, BC
Posts: 811
complicated car insurance question, uk no claims to BC
ive checked the wiki and absorbed the advice in it, but i have a bit of a convuluted query, if you can stay with me id appreciate any advice....
ive been driving in uk for 15 yrs, i had an at fault claim in jul 06 and an at fault claim in jul 07.
1. do i get insurance history and letters per the wiki saying "TJ was insured from date to date, and did not make any claims." for the period from jul 07 to now?
further complicated by me oft changing cars and in that time ive only remained insured with one company for a whole year once ( do have continuous insurance just change companies when they are cheaper) so...
2. since ive not got a full years no claims with each of them, do i ask them to just write the dates i was insured and end to end them? (hoping that makes sence) this will prove i had continuous insurance if not with the same supplier. or does it have to be each claim free full year insured with one company? ( in which case im screwed
)
3. have no idea at all who insured me in 2008/2009, or what i was driving, hoping the MID can help me out there (did you know they will only search per reg plate not per person, DVLA are the same - you would think you could go to one of them and say this is me, what did i drive and who was i insured with? but then i guess you are supposed to keep your details.) might ask the car ins co i had after that who i gave them proof of no claims from...
4. my newest car had a NI plate on it when i bought it, and i had a personalised plate which i then put on, do i have to ask the ins co to clarify that the car ( a kia sedona) was reg'd as "abc123" and is now reg'd as "myplate1" but is still the same car, insured with the same company and up to the date in question has had no claims?
finally and i do appreciate you staying with me thus far...
5. i had claim free years prior to july 06 and jul 07 crashes, do they count or is it just from the date of your last at fault claim?
(in my defence one of the smashes was SOOOOO not my fault, but i didnt have any witnesses to the other guys crazy swerving so the ins co went knock for knock and it is down as an at fault claim on my insurance, as well as his.)
ive been driving in uk for 15 yrs, i had an at fault claim in jul 06 and an at fault claim in jul 07.
1. do i get insurance history and letters per the wiki saying "TJ was insured from date to date, and did not make any claims." for the period from jul 07 to now?
further complicated by me oft changing cars and in that time ive only remained insured with one company for a whole year once ( do have continuous insurance just change companies when they are cheaper) so...
2. since ive not got a full years no claims with each of them, do i ask them to just write the dates i was insured and end to end them? (hoping that makes sence) this will prove i had continuous insurance if not with the same supplier. or does it have to be each claim free full year insured with one company? ( in which case im screwed
) 3. have no idea at all who insured me in 2008/2009, or what i was driving, hoping the MID can help me out there (did you know they will only search per reg plate not per person, DVLA are the same - you would think you could go to one of them and say this is me, what did i drive and who was i insured with? but then i guess you are supposed to keep your details.) might ask the car ins co i had after that who i gave them proof of no claims from...
4. my newest car had a NI plate on it when i bought it, and i had a personalised plate which i then put on, do i have to ask the ins co to clarify that the car ( a kia sedona) was reg'd as "abc123" and is now reg'd as "myplate1" but is still the same car, insured with the same company and up to the date in question has had no claims?
finally and i do appreciate you staying with me thus far...
5. i had claim free years prior to july 06 and jul 07 crashes, do they count or is it just from the date of your last at fault claim?
(in my defence one of the smashes was SOOOOO not my fault, but i didnt have any witnesses to the other guys crazy swerving so the ins co went knock for knock and it is down as an at fault claim on my insurance, as well as his.)
Jun 23rd 2011, 9:39 pm
#2
Account Closed
Joined: Jan 2007
Posts: 2,404
Re: complicated car insurance question, uk no claims to BC
ive checked the wiki and absorbed the advice in it, but i have a bit of a convuluted query, if you can stay with me id appreciate any advice....
ive been driving in uk for 15 yrs, i had an at fault claim in jul 06 and an at fault claim in jul 07.
1. do i get insurance history and letters per the wiki saying "TJ was insured from date to date, and did not make any claims." for the period from jul 07 to now?
Insurers look at a 5 yr history, and the reality is you've had two at fault losses in 5 years.
further complicated by me oft changing cars and in that time ive only remained insured with one company for a whole year once ( do have continuous insurance just change companies when they are cheaper) so...
You'll need to provide evidence to support this (ie/ unbroken insurance)
2. since ive not got a full years no claims with each of them, do i ask them to just write the dates i was insured and end to end them? (hoping that makes sence) this will prove i had continuous insurance if not with the same supplier. or does it have to be each claim free full year insured with one company? ( in which case im screwed )
The more I read this, the more I think you're wasting your time. You've had a couple of losses, and a chequered experience. From an insurance company point of view, why are they going to do you any favours if you're constantly looking for a better deal (granted, you cant do that in BC but you see my point).
3. have no idea at all who insured me in 2008/2009, or what i was driving, hoping the MID can help me out there (did you know they will only search per reg plate not per person, DVLA are the same - you would think you could go to one of them and say this is me, what did i drive and who was i insured with? but then i guess you are supposed to keep your details.) might ask the car ins co i had after that who i gave them proof of no claims from...
4. my newest car had a NI plate on it when i bought it, and i had a personalised plate which i then put on, do i have to ask the ins co to clarify that the car ( a kia sedona) was reg'd as "abc123" and is now reg'd as "myplate1" but is still the same car, insured with the same company and up to the date in question has had no claims?
The letter will just say that they insured you between X and X and you had X claims
finally and i do appreciate you staying with me thus far...
5. i had claim free years prior to july 06 and jul 07 crashes, do they count or is it just from the date of your last at fault claim?
As mentioned, they'll look at a 5yr history. You're in a slightly better position in that the claims were at the back end of the 5yrs, but you've been an unprofitably policyholder in that time I would suspect.
(in my defence one of the smashes was SOOOOO not my fault, but i didnt have any witnesses to the other guys crazy swerving so the ins co went knock for knock and it is down as an at fault claim on my insurance, as well as his.)
Wont really be relevant to be honest. ICBC doesnt have any competition so they can pretty much do what they want.
ive been driving in uk for 15 yrs, i had an at fault claim in jul 06 and an at fault claim in jul 07.
1. do i get insurance history and letters per the wiki saying "TJ was insured from date to date, and did not make any claims." for the period from jul 07 to now?
Insurers look at a 5 yr history, and the reality is you've had two at fault losses in 5 years.
further complicated by me oft changing cars and in that time ive only remained insured with one company for a whole year once ( do have continuous insurance just change companies when they are cheaper) so...
You'll need to provide evidence to support this (ie/ unbroken insurance)
2. since ive not got a full years no claims with each of them, do i ask them to just write the dates i was insured and end to end them? (hoping that makes sence) this will prove i had continuous insurance if not with the same supplier. or does it have to be each claim free full year insured with one company? ( in which case im screwed
) The more I read this, the more I think you're wasting your time. You've had a couple of losses, and a chequered experience. From an insurance company point of view, why are they going to do you any favours if you're constantly looking for a better deal (granted, you cant do that in BC but you see my point).
3. have no idea at all who insured me in 2008/2009, or what i was driving, hoping the MID can help me out there (did you know they will only search per reg plate not per person, DVLA are the same - you would think you could go to one of them and say this is me, what did i drive and who was i insured with? but then i guess you are supposed to keep your details.) might ask the car ins co i had after that who i gave them proof of no claims from...
4. my newest car had a NI plate on it when i bought it, and i had a personalised plate which i then put on, do i have to ask the ins co to clarify that the car ( a kia sedona) was reg'd as "abc123" and is now reg'd as "myplate1" but is still the same car, insured with the same company and up to the date in question has had no claims?
The letter will just say that they insured you between X and X and you had X claims
finally and i do appreciate you staying with me thus far...
5. i had claim free years prior to july 06 and jul 07 crashes, do they count or is it just from the date of your last at fault claim?
As mentioned, they'll look at a 5yr history. You're in a slightly better position in that the claims were at the back end of the 5yrs, but you've been an unprofitably policyholder in that time I would suspect.
(in my defence one of the smashes was SOOOOO not my fault, but i didnt have any witnesses to the other guys crazy swerving so the ins co went knock for knock and it is down as an at fault claim on my insurance, as well as his.)
Wont really be relevant to be honest. ICBC doesnt have any competition so they can pretty much do what they want.
Get your chequebook ready!
Jun 23rd 2011, 10:13 pm
#3
Forum Regular
Joined: Aug 2010
Location: North Vancouver, BC
Posts: 134
Re: complicated car insurance question, uk no claims to BC
ive checked the wiki and absorbed the advice in it, but i have a bit of a convuluted query, if you can stay with me id appreciate any advice....
ive been driving in uk for 15 yrs, i had an at fault claim in jul 06 and an at fault claim in jul 07.
1. do i get insurance history and letters per the wiki saying "TJ was insured from date to date, and did not make any claims." for the period from jul 07 to now?
further complicated by me oft changing cars and in that time ive only remained insured with one company for a whole year once ( do have continuous insurance just change companies when they are cheaper) so...
2. since ive not got a full years no claims with each of them, do i ask them to just write the dates i was insured and end to end them? (hoping that makes sence) this will prove i had continuous insurance if not with the same supplier. or does it have to be each claim free full year insured with one company? ( in which case im screwed )
3. have no idea at all who insured me in 2008/2009, or what i was driving, hoping the MID can help me out there (did you know they will only search per reg plate not per person, DVLA are the same - you would think you could go to one of them and say this is me, what did i drive and who was i insured with? but then i guess you are supposed to keep your details.) might ask the car ins co i had after that who i gave them proof of no claims from...
4. my newest car had a NI plate on it when i bought it, and i had a personalised plate which i then put on, do i have to ask the ins co to clarify that the car ( a kia sedona) was reg'd as "abc123" and is now reg'd as "myplate1" but is still the same car, insured with the same company and up to the date in question has had no claims?
finally and i do appreciate you staying with me thus far...
5. i had claim free years prior to july 06 and jul 07 crashes, do they count or is it just from the date of your last at fault claim?
(in my defence one of the smashes was SOOOOO not my fault, but i didnt have any witnesses to the other guys crazy swerving so the ins co went knock for knock and it is down as an at fault claim on my insurance, as well as his.)
ive been driving in uk for 15 yrs, i had an at fault claim in jul 06 and an at fault claim in jul 07.
1. do i get insurance history and letters per the wiki saying "TJ was insured from date to date, and did not make any claims." for the period from jul 07 to now?
further complicated by me oft changing cars and in that time ive only remained insured with one company for a whole year once ( do have continuous insurance just change companies when they are cheaper) so...
2. since ive not got a full years no claims with each of them, do i ask them to just write the dates i was insured and end to end them? (hoping that makes sence) this will prove i had continuous insurance if not with the same supplier. or does it have to be each claim free full year insured with one company? ( in which case im screwed
) 3. have no idea at all who insured me in 2008/2009, or what i was driving, hoping the MID can help me out there (did you know they will only search per reg plate not per person, DVLA are the same - you would think you could go to one of them and say this is me, what did i drive and who was i insured with? but then i guess you are supposed to keep your details.) might ask the car ins co i had after that who i gave them proof of no claims from...
4. my newest car had a NI plate on it when i bought it, and i had a personalised plate which i then put on, do i have to ask the ins co to clarify that the car ( a kia sedona) was reg'd as "abc123" and is now reg'd as "myplate1" but is still the same car, insured with the same company and up to the date in question has had no claims?
finally and i do appreciate you staying with me thus far...
5. i had claim free years prior to july 06 and jul 07 crashes, do they count or is it just from the date of your last at fault claim?
(in my defence one of the smashes was SOOOOO not my fault, but i didnt have any witnesses to the other guys crazy swerving so the ins co went knock for knock and it is down as an at fault claim on my insurance, as well as his.)
we had similar issues with a theft claim and cancelled our policy mid term when we sold the car to come over here. We just couldn't get the information they needed.
FYI we live in BC and insured our new car in Feb just in OH name as I don't need to drive that often plus ive been driving under 10 yrs so puts premium up massivly if i was ot be named. Fully comp etc and we pay $300 p/month!!! we could only insure up to 6months the first time and can then renew it in august. Fingers crossed it goes down a bit!
Jun 23rd 2011, 10:38 pm
#4
Binned by Muderators
Joined: Jul 2007
Location: White Rock BC
Posts: 11,682
Re: complicated car insurance question, uk no claims to BC
As Jericho says above, ICBC is not your average insurance company. What you pay is based on your claims record with them. If you have no prior history with them they start you off at the basic rate. For every year without a claim you go one step down their premium scale (worth 5% a year discount during the first 8 years) and for every at fault claim you go six steps up the the scale. See here http://www.icbc.com/autoplan-insuran...-costs/crs.pdf
Driving safely saves you $$$$ which I suppose is the idea. If you do have an at-fault claim you are given the option to pay the claim yourself. If you do so then it does not count against you on the premium scale. Many people do this for small knocks.
ICBC will give you discount for up to eight years at-fault claim free driving immediately prior to moving to BC assuming you get the confirmation in the form they require (this is in the wiki). If you can get the appropriate letters form the insurance companies you were with after your last claim you may be able to get up to 15% discount and this could be worth around $400 a year.
Driving safely saves you $$$$ which I suppose is the idea. If you do have an at-fault claim you are given the option to pay the claim yourself. If you do so then it does not count against you on the premium scale. Many people do this for small knocks.
ICBC will give you discount for up to eight years at-fault claim free driving immediately prior to moving to BC assuming you get the confirmation in the form they require (this is in the wiki). If you can get the appropriate letters form the insurance companies you were with after your last claim you may be able to get up to 15% discount and this could be worth around $400 a year.
Jun 24th 2011, 8:05 am
#5
BE Enthusiast
Joined: Nov 2009
Location: Gastown - East Van
Posts: 413
Re: complicated car insurance question, uk no claims to BC
As Jericho says above, ICBC is not your average insurance company. What you pay is based on your claims record with them. If you have no prior history with them they start you off at the basic rate. For every year without a claim you go one step down their premium scale (worth 5% a year discount during the first 8 years) and for every at fault claim you go six steps up the the scale. See here http://www.icbc.com/autoplan-insuran...-costs/crs.pdf
Driving safely saves you $$$$ which I suppose is the idea. If you do have an at-fault claim you are given the option to pay the claim yourself. If you do so then it does not count against you on the premium scale. Many people do this for small knocks.
ICBC will give you discount for up to eight years at-fault claim free driving immediately prior to moving to BC assuming you get the confirmation in the form they require (this is in the wiki). If you can get the appropriate letters form the insurance companies you were with after your last claim you may be able to get up to 15% discount and this could be worth around $400 a year.
Driving safely saves you $$$$ which I suppose is the idea. If you do have an at-fault claim you are given the option to pay the claim yourself. If you do so then it does not count against you on the premium scale. Many people do this for small knocks.
ICBC will give you discount for up to eight years at-fault claim free driving immediately prior to moving to BC assuming you get the confirmation in the form they require (this is in the wiki). If you can get the appropriate letters form the insurance companies you were with after your last claim you may be able to get up to 15% discount and this could be worth around $400 a year.
Jun 24th 2011, 9:26 am
#6
finally together...
Thread Starter
Joined: Oct 2008
Location: Prince George, BC
Posts: 811
Re: complicated car insurance question, uk no claims to BC
Technically(and by a week or so) I've had one claim in 5 years. (12 julyly06) then (22 July 2007) I can show unbroken insurance since then, with no claims made, just spread over several insurers, and in some instances where I changed mid-policy was because I changed cars and not ness cos it was cheaper but I see what you are saying it will be pricey! Thanks all for the info.
